Call reports 2005
CHAMBERS BANK OF NORTH ARKANSAS — 2005
What CHAMBERS BANK OF NORTH ARKANSAS reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 225,466,000 | 241,122,000 | 246,311,000 | 288,129,000 |
| Total loans | 197,816,000 | 207,531,000 | 214,304,000 | 246,097,000 |
| Allowance for loan losses | 2,333,000 | 2,283,000 | 2,247,000 | 2,511,000 |
| Securities available for sale | 8,202,000 | 8,522,000 | 8,427,000 | 8,032,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 175,592,000 | 190,629,000 | 194,587,000 | 215,078,000 |
| Interest-bearing deposits | 153,891,000 | 158,096,000 | 159,451,000 | 187,355,000 |
| Noninterest-bearing deposits | 21,701,000 | 32,533,000 | 35,136,000 | 27,723,000 |
| Equity capital | 28,808,000 | 29,773,000 | 30,930,000 | 32,242,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 3,758,000 | 7,616,000 | 11,888,000 | 16,955,000 |
| Interest expense | 999,000 | 2,180,000 | 3,536,000 | 5,180,000 |
| Net interest income | 2,759,000 | 5,436,000 | 8,352,000 | 11,775,000 |
| Noninterest income | 325,000 | 623,000 | 937,000 | 1,686,000 |
| Noninterest expense | 1,385,000 | 2,812,000 | 4,219,000 | 5,977,000 |
| Provision for loan losses | 0 | 0 | 0 | 250,000 |
| Pretax income | 1,699,000 | 3,247,000 | 5,070,000 | 7,234,000 |
| Income tax | 653,000 | 1,238,000 | 1,898,000 | 2,730,000 |
| Net income | 1,046,000 | 2,009,000 | 3,172,000 | 4,504,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,150,000 | 25,118,000 | 26,281,000 | 27,613,000 |
| Total capital | 26,483,000 | 27,401,000 | 28,528,000 | 30,124,000 |
| Risk-weighted assets | 191,967,000 | 203,456,000 | 207,679,000 | 244,056,000 |